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Car Finance Expert Q&A

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Edwin Miles. Underwriting Manager

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I have never had any credit before and I have a full time job but keep being refused - Why?

I have never had any finance or credit before and I have a permanent full time job but keep being refused car finance and credit cards/store cards. Why is this?

Posted by samantha richards on


Hi Samantha, thank you for your question. Firstly we need to establish whether you're on the electoral role at your current address as all finance lenders look for traceability. If you are on the electoral role do you have a bank account and/or a contract mobile phone? I understand your frustration totally but all lenders like to look at a good strong credit profile. However, you need a loan or credit card in the first place to prove to lenders that you are a good payer and can be trusted to pay on time each month for bigger loans such as car finance. We do have plenty of car loan lenders on our panel and i'm sure we can help you if you have someone else to add onto your car finance application. Do you have a family member that could help you out and act as a guarantor? Kind Regards, Edwin

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